1
The dinkummest loan bilk
Pay fee, not loan
Bright preparation opens Ceng Cong newly inn of a fruit, be badly in need of have enough to meet need of 50 thousand yuan of capital.
He sees on the net first " without guaranty, without assure, regular corporation, extremely fast loan " advertisement, according to above the connection way that leave added QQ of the other side. The other side was to send business charter first, introduced loan demand and autograph to restrict flow, send electronic contract to let Ceng Cong subsequently bright fill in -- although did not meet, but everything is so normal it seems that.
After contract examine and verify is passed, the other side asks to want first capture 5000 yuan of insurance premium, reason is to insurance company is done assure advantageous to both sides, pass a little while again, say Ceng Cong bright aptitude is insufficient, need makes 15000 yuan of earnest money first, the meeting when loan is returned entirely still. The client after be being handed in sent a piece of 70 thousand yuan cash check as expected (include to return return 20 thousand) , return those who have a bank to trade interfacial check scheme, but still need pay ability of fee of 4000 yuan of services gives check.
To borrow money as soon as possible, ceng Cong bright gave opposite party 24000, do not have from beginning to end however when cash check, still be pulled black...
Fraud uncovers secret
Bilk of this kind of loan is called " pure cheat borrow " , extend with low doorsill namely cost of the nominal collection insurance premium of loan, bail, activation, service fee, but also won't give you to last minutes of money, check of so called cash, bank trades running water is forged beforehand.
2
Most the loan bilk that crosses a boundary
Check running water, be brushed by pilfer
Ceng Cong bright think a bakery again, be badly in need of have enough to meet need of 60 thousand yuan of capital. He decides to beat dead to also won't give pay of the other side all sorts of cost first.
He sought a finance company on the net, the other side sends a link, let him fill in full name, Id date, mobile phone these information. Open a link, it is very standard model. Bright fine long hair filled Ceng Cong forthwith.
Arrived the following day, the other side hits a phone to say bank result already feedbacked came back, because bank running water is too little, cannot loan. Unless you are put immediately,20 thousand yuan arrive additionally one piece of bank blocks yourself on. Ceng Cong apperception puts money to do not have a risk on go to him bank card, be put immediately, tell bank of the other side card to Zhang date and short message test and verify are piled up, bank of feedback of convenient the other side.
Passed a little while, ceng Cong bright the short message deducting a money that got 20 thousand yuan, still be pulled black...
Fraud uncovers secret
Bilk of this kind of loan basically is pilfer brushs a bank to block a gang to cross a bound to commit the crime, they are met first collect your individual information, subsequently with you let make money to him account for check endowment. A lot of people think to make money to him account compare safety, little imagine, after they ask for your bank to block Zhang date and short message test and verify to pile up, can be brushed through pilfer or shop on the net check endowment money possess oneself of.
3
Most the loan bilk that hold back bends
Bedding bag shows, still make money
Bright preparation opens Ceng Cong newly a snack bar, be badly in need of have enough to meet need of 30 thousand yuan of capital.
When he is preparing to go to a bank borrowing money, see " bank loan, extremely fast put borrow " fascia. Wear white shirt " employee " blocked him to ask he goes to a bank to borrow money, here need not queue up.
Ceng Cong bright according to " employee " the requirement offerred id card, sign on a piece of application form. "Employee " the agreement can take 30 thousand loan after 15 days, but the poundage that needs to pay 3000 cash.
After 15 days, ceng Cong bright found that " employee " . The employee should be answered ever clever mobile phone an operation, passed a little while to take 27000 yuan of ready money as expected.
Ceng Cong bright came home cheerfully, but spent a month, oneself received center of bank credit card to urge however return 30 thousand yuan to overdraw the short message announcement of the paragraph.
Fraud uncovers secret
Cheater pretends to be bank employee to place vendor's stand around the bank, claim to have in-house medium of communication but fast loan, it is to take your identity document to apply credit card essentially (do not eliminate collude of as in-house as the bank personnel) , after credit card applies for to succeed, they can use credit card of your mobile phone activation, brush line of credit with POS machine next, deduct poundage of high specified number. Actually, if be oneself,go applying credit card, need not pay any fee at all.
4
The loan bilk of final regret
Be used, into partner
Bright preparation opens Ceng Cong newly a mobile phone sticks velar store, be badly in need of have enough to meet need of 20 thousand yuan of capital.
He himself already became credit basically black door, bank, net is borrowed loan cannot apply for over there the company, see a ad suddenly at this moment: Newest cut, no matter black and white door, not collection any early days charge, two hours of loan, success hind receives 10 dot poundage.
The other side claimed to master on QQ pay treasure newest loan flaw, 2 hours but loan. Ceng Cong bright cooperated him to provide picture of face of Id positive and negative, hold number of card of Id photograph, bank, mobile phone, still informed short message test and verify a few times to pile up. After an operation, the other side lets await two hours. After 2 hours, ever clever discovery has been pulled black.
Ceng Cong light and shade feels happy he did not give money first oneself, but passed to be less than a month, two polices sought the door however. The name registered the information fact that former opposite party offers with him to pay treasure, use next wash money for cheater, oneself also became a suspect now.
Fraud uncovers secret
Cheater uses a few people to sign a letter low, cannot borrow money the psychology of urgent need money, no matter,claim black and white door OK loan, it is to use information to register all sorts of finance APP, company actually, wash money to provide a tool for other and illegal element again.
5
Most say not clear loan bilk
Rent a car, change the accused
Ceng Cong bright think prevent cheat groom class, be badly in need of wanting have enough to meet need of 100 thousand yuan of capital.
He did not look for loan intermediary this again from the net, via him the classmate little sister of the 3 cousin of the neighbour of wife introduces, understood a loan medium that has actual strength very much allegedly. Intermediary says the need car of so big mark makes pledge, coach he goes to a company that rent a car rent a car. Ceng Cong bright very convenient after the company that rent a car fills formalities hired a value the sedan of 100 thousand.
After loan intermediary takes a car, let Ceng Cong bright fill a piece of application form, agree loan of 3 Queen of heaven. Can be 3 day hind, also cannot find intermediary again however, and the company that rent a car is blocked up in the doorway to want Ceng Cong everyday however bright return a vehicle...
Fraud uncovers secret
The purpose of cheater is the car of each big company that rent a car actually, they are a name with can dealing with high specified number to borrow money absorbing after coming over, flicker usurer goes renting a car on mortage, the other place leaves to sell off immediately after taking a car.
6
Most the loan bilk of lose money in business
Borrow money, the car was done not have
Ever clever course is indefatigable hard, had oneself car eventually. He thinks a cafeteria this, be badly in need of have enough to meet need of 200 thousand capital.
He wants to seek the finance company of a honest existence, and the car that drives oneself goes borrowing money, so total this won't be cheated. He arrived finance company of a car, manager acceptance can be put borrow 200 thousand, and " detain this not mortgage vehicle " , do not affect car to use. If Ceng Cong Ming Xinxi is mad. Sign N after contract of many pieces of loan, ceng Cong bright take 150 thousand yuan only however, the company says to press guild regulations, another 50 thousand yuan are poundage and penalty due to breach of contract.
Ceng Cong bright every months on time reimbursement, but one day, he discovers the car disappeared suddenly, former company says he was disobeyed at the outset car cannot open a the city zone the regulation beyond 3 annulus, towed away the car, this car has not belonged to Ceng Cong to understand.
Ceng Cong bright go rapidly finance company asks, the company took out " impawn contract " , there is to write clearly above: Like Party B (Ceng Cong bright) disobey a company to set to the management of car, party A (finance company) authority deals with car.
Ceng Cong bright two one black, dizzy past of within an inch of.
Fraud uncovers secret
This is apparent " the car that cover a region is borrowed " , cheater earns tens of thousands of money through poundage of collection high specified number, penalty due to breach of contract first, be in subsequently let you sign inadvertently " impawn contract " . Impawn contract is different from guaranty contract, once have action of break a contact, finance company is OK and lawful glom on to. And in be being operated actually, finance company always can make all sorts of reason let your beak a contract.
7
The bloodiest loan bilk
Cover a road to borrow, destroy lifetime
Ceng Cong bright experienced endless rest and reorganization again, establish the courage that has the life again eventually. But do not have money or what thing not to work, he decides to borrow money again.
He prepares this to find regular corporation, lot standard contract, do not take money does not give poundage, do not drive him car, won't be cheated so always. As it happens, he received a finance company market a phone, say " need not aptitude, need not mortgage " can borrow money for him 150 thousand yuan of credit. According to the convention, want to sign all sorts of more than 10 contracts again, ceng Cong bright probably once-over, discovery is normaller, be signed happily.
Finance company keeps good faith quite, signed a contract to go to 150 thousand dozens ever clever account, let Ceng Cong again subsequently bright give them 50 thousand yuan, counting is poundage and penalty due to breach of contract. Ceng Cong bright want, these are their money anyway, gave also be indifferent to.
Ceng Cong bright after taking 100 thousand yuan, a small supermarket left in the industrial district, did not think of the business is very hot, can earn on 1000 yuan everyday. He agrees first according to the thing, take accrual every months to give a company the clerk on time (the company is not accepted Zhang turns on the net) , but one day, he discovers connection not to go up suddenly clerk.
Passed a few days, the company informs Ceng Cong bright, he already owed 190 thousand yuan, the reimbursement on requirement horse. Ceng Cong bright indissoluble, to just taking out a contract before, write above: If not on time reimbursement, minutely punish breath 3% . Original, others is according to minute of plan breath. Ceng Cong bright want to go the court is sued, however the lawyer informs him to say, have in finance company hand turn Zhang running water and standard contract, accuse very hard win. Be less than a month, ceng Cong bright owed many yuan 120, house guaranty drops insufficient still reimbursement, be blocked up everyday the door chases after debt.
The Ceng Cong of have no way out bright, in a certain late night, was on finance company Na Donglou 47 weather station...
Fraud uncovers secret
This kind is apparent " cover a road to borrow " , cheater carries production bank running water, sign a contract to secure lawful testimony, make break a promise intentionally next, let you return not the name of the recipient, the contract that before be being taken again, signs collects high specified number to punish breath, often a few months can be owed about a hundred 10 thousand. After high on your back specified number borrows money, again incidentally embezzle all belongings such as your house property, car.
Specific cover a road to be able to read: Accuse what do not win " cover a road to borrow " : Law pays attention to evidence, cheater owns perfect evidential chain however.
Earnest remind
If need,famous net lends a company, borrow money by normal procedure. And cannot believe what one hears is of all kinds loan intermediary flicker, be immersed in above a variety of loan bilk cover a region. Once affirm oneself by bilk or be immersed in a road to borrow, must call the police in time, blindly the loss that submit to humiliation can increase him only.
